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Find every first-time home buyer grant & down payment assistance program in the U.S.
$0 – $100,000+ in free money. Updated daily across all 50 states + DC. Compare programs from HUD-approved agencies, lenders, cities, and state housing authorities in one place.
2000+ programs listed • Verified by HUD & state agencies
Latest opportunities (2013)
To Each His Home Community Redevelopment CorporationTXFirst-Time HomeownerNonprofit administered grant program that provides non repayable funds to cover part of a homebuyer down payment and closing costs, typically layered with first mortgage financing and local government assistance.
Updated: Dec 6, 2025
Non-profit TEHH offers down payment and closing cost assistance grants to eligible homebuyers in its service area, working with lenders, municipalities and county programs.
Eligible for: Eligible homebuyers in East Texas area (credit/income criteria; homebuyer education required).
City of Fort Worth Neighborhood Services DepartmentTXFirst-Time HomeownerCity administered down payment and closing cost assistance provided as a zero interest forgivable subordinate loan that helps first time buyers bridge the upfront cash gap when purchasing a home.
Updated: Dec 6, 2025
City program providing down payment and closing cost assistance to eligible first-time buyers in Fort Worth.
Eligible for: First-time homebuyers (not owned in past 3 yrs), purchasing within Fort Worth city limits, must qualify for first-lien loan & complete homeo…
Texas State Affordable Housing CorporationTXFirst-Time HomeownerStatewide nonprofit housing corporation program that provides non repayable grant assistance and forgivable second lien loans for down payment and closing costs when paired with a 30 year fixed rate mortgage through participating lenders.
Updated: Dec 6, 2025
TSAHC offers grants that can be used toward down payment and closing costs to assist homebuyers in Texas.
Eligible for: First-time buyers in Texas (or those meeting specific criteria per county), with credit score ≥ 620, income & purchase limits apply.
California Department of Housing & Community DevelopmentCAFirst-Time HomeownerState administered competitive and formula based matching grants that provide dollar for dollar state funds to eligible local or regional housing trust funds in order to expand affordable housing activities, including some first time homebuyer and ownership assistance.
Updated: Dec 6, 2025
The LHTF program provides state funds to match local housing trust funds, which in turn fund affordable housing activities including acquisition, rehabilitation, and homeownership support
Eligible for: Local/regional housing trust funds (public or nonprofit) that support affordable housing including homeownership.
Texas Department of Housing and Community AffairsTXFirst-Time HomeownerState housing finance agency mortgage program that pairs a 30 year fixed rate first mortgage with optional down payment and closing cost assistance provided as a grant or second lien up to a percentage of the loan amount.
Updated: Dec 6, 2025
Program provides a 30-year fixed mortgage plus down payment/closing cost assistance to eligible first-time buyers or vets.
Eligible for: First-time homebuyers or qualified veterans; must use approved lenders; meet income/credit/property limits.
City of College Station Housing Assistance ProgramTXFirst-Time HomeownerCity administered shared equity deferred loan that provides gap financing for low income buyers by covering a portion of the purchase price, to be repaid in part if the home is sold or refinanced.
Updated: Dec 6, 2025
City of College Station offers gap financing via a shared-equity deferred loan up to 30% of the sales price (capped $80k) to assist homebuyers with down payment within city limits. (City of College Station)
Eligible for: Qualified homebuyers meeting income ≤ 80% AMI, credit score ≥ 600, purchasing within City of College Station limits; must complete HUD-appro…
California Department of Housing & Community DevelopmentCAFirst-Time HomeownerState administered disaster recovery homebuyer assistance that uses forgivable zero interest second mortgage loans funded by federal disaster and mitigation dollars to close the affordability gap for disaster impacted households.
Updated: Dec 6, 2025
A disaster-recovery homebuyer assistance program providing forgivable second-mortgage loans to help disaster-impacted households bridge the affordability gap when buying a home.
Eligible for: Low- and moderate-income renters or homeowners impacted by qualified disasters (e.g., 2017–20 wildfires or 2023/24 floods) in specified coun…
California Housing Finance AgencyCAFirst-Time HomeownerState housing finance agency programs that pair fixed rate first mortgages with a range of subordinate loans and assistance options such as down payment and closing cost help for eligible homebuyers.
Updated: Dec 6, 2025
Overview portal of CalHFA’s suite of homebuyer assistance programs for first-time homebuyers in California.
Eligible for: First-time homebuyers, meet specific program criteria (loan type, income, credit, occupancy)
California Department of Housing & Community DevelopmentCAFirst-Time HomeownerState matching grant program that provides dollar for dollar funds to eligible local or regional housing trust funds to expand resources for affordable housing activities including homeownership assistance.
Updated: Dec 6, 2025
The LHTF program provides state funds to match local housing trust funds, which in turn fund affordable housing activities including acquisition, rehabilitation, and homeownership support
Eligible for: Local/regional housing trust funds (public or nonprofit) that support affordable housing including homeownership.
California Housing Finance AgencyCAFirst-Time HomeownerState housing finance agency programs that offer 30 year fixed rate mortgages combined with optional down payment and closing cost assistance through junior loans and specialty products targeted at first time buyers.
Updated: Dec 6, 2025
A broad overview of CalHFA’s suite of homebuyer loan and assistance programs for first-time buyers in California.
Eligible for: First-time homebuyers, meet income/credit/homebuyer education requirements
Pathway to Home Closing Cost Assistance Grant Program
Temporarily ClosedCalifornia Association of REALTORSCAFirst-Time HomeownerStatewide closing cost assistance provided as a non repayable grant funded through the California Association of Realtors Housing Affordability Fund in partnership with a nonprofit administrator.
Updated: Dec 6, 2025
A grant program to assist first-time homebuyers in underserved communities with closing costs, up to $10,000, in partnership with REALTORS.
Eligible for: First-time homebuyers from underserved communities, ≤ 120% AMI, must use California REALTOR®, no more than $20k savings post-purchase
California Housing Finance AgencyCAFirst-Time HomeownerState housing finance agency junior loan that provides a deferred payment silent second mortgage to cover part of the down payment and closing costs when paired with a CalHFA first mortgage.
Updated: Dec 6, 2025
Deferred-payment junior loan for down payment/closing costs to help first-time buyers access homeownership.
Eligible for: First-time homebuyers (or no ownership last 3 years), primary residence, must use CalHFA first mortgage; meet income/credit limits; home mus…
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